Your HOA Policy Covers the Building. We Cover the Rest.
Most condo owners in New Hampshire discover the gap between their HOA's master policy and their own coverage only after something goes wrong. Your association's insurance protects the structure and common areas — but your personal belongings, your interior finishes, and your liability inside the unit are typically your responsibility. That's exactly what a condo insurance policy (HO-6) is designed to address.
What Your HOA Policy Leaves Uncovered
Whether you own a year-round condo in Concord, or a ski-area getaway near Fryeburg or Bethel, Maine, the starting point is always the same: knowing where your HOA's coverage ends and yours begins. Many association master policies stop at the walls — sometimes not even there. As an independent agency based in Contoocook, we compare options across multiple carriers to make sure you're not left with an expensive gap.
This is a short title
This is the text area for this paragraph. To change it, simply click and start typing.
This is a short title
This is the text area for this paragraph. To change it, simply click and start typing.
This is the text area for this paragraph. To change it, simply click and start typing.
This is a short title
A Coverage Review That Starts With Your Situation
The master policy your homeowners association carries is built to cover the building itself — the roof, the exterior walls, the hallways, and shared spaces. It is not built to cover you. Once you step inside your unit, you are largely on your own, and most condo owners are surprised by how wide that gap actually is.
Condo Insurance for Your Interior and Unit Improvements
We've spent more than 25 years helping New Hampshire families sort through exactly this kind of coverage question. When you reach out, we start by understanding what you own, how you use the property, and what your HOA master policy already covers — then we compare options across our carriers to find a policy that fits.
- Personal property coverage sized to what's actually in your unit
- Loss assessment coverage for HOA special assessments after a shared-area claim
- Interior improvements and betterments you've made to the unit
- Liability protection if someone is injured inside your home
Frequently Asked Questions
Does my HOA insurance cover my personal belongings?
No. Your HOA's master policy covers the building structure and shared common areas, not the contents of individual units. Personal property coverage for your furniture, electronics, clothing, and other belongings requires your own condo insurance (HO-6) policy.What is HO-6 condo insurance?
HO-6 is the standard policy form designed specifically for condo owners. It covers personal property, personal liability, and the interior of your unit — including improvements and betterments you've made — filling the gap left by your HOA's master policy.Do I need condo insurance if my HOA already has a master policy?
Yes, in almost every case. The master policy protects the association's shared property, not your individual unit's contents or your personal liability. Many mortgage lenders also require condo owners to carry their own HO-6 policy as a condition of the loan.Does condo insurance cover a vacation or secondary condo?
It can, though secondary and vacation properties often require specific endorsements or a different policy structure. If you own a seasonal condo in the Lakes Region or near the White Mountains, it's worth discussing with an agent to make sure the coverage reflects how and when you use the property.How much personal property coverage do I actually need?
A good starting point is to walk through your unit and estimate the replacement cost of everything you own — not the original purchase price, but what it would cost to replace items at today's prices. We can help you work through that estimate and choose a coverage limit that reflects what's actually inside your home.
